How Much Does 2012 Honda Odyssey Car Insurance Cost?

Want better car insurance rates for your Honda Odyssey? Paying for high-priced Honda Odyssey insurance can take a big chunk out of your personal savings and make it impossible to make ends meet. Shopping your coverage around is free, only takes a few minutes, and is a good way to lower your monthly bill. Popular companies such as State Farm, Allstate, Geico and Progressive continually hit you with catchy ads and consumers find it hard to not get sucked in by the cute commercials and find the best price available.

It’s important to get comparison quotes quite often because prices change quite often. Even if you got the lowest rates on Odyssey insurance a couple years back there may be better deals available now. There is a lot of bad advice regarding car insurance online but by reading this article, you’re going to learn the easiest ways to put money back in your pocket.

Save big with these discounts

Auto insurance companies do not list every discount in an easy-to-find place, so we took the time to find some of the best known and the more hidden discounts you could be receiving. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.
  • Passive Restraint Discount – Cars that have air bags may earn rate discounts of up to 25% or more.
  • Drivers Education – Require your teen driver to take driver’s ed class if offered at their school.
  • Anti-theft System – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Life Insurance Discount – Some companies give a discount if you purchase a life insurance policy as well.
  • Defensive Driving Course – Completing a course teaching defensive driving skills could save 5% or more depending on where you live.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on the same auto insurance policy can get a discount on all vehicles.
  • Paperwork-free – Some insurance companies give back up to $50 simply for signing digitally online.
  • Save over 55 – Mature drivers may receive better auto insurance rates on Odyssey insurance.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. Most only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, auto insurance companies aren’t that generous.

To see a list of companies with discount auto insurance rates, follow this link.

But I don’t know anything about car insurance

When choosing proper insurance coverage, there isn’t really a cookie cutter policy. Each situation is unique and your policy should reflect that. Here are some questions about coverages that might point out whether you could use an agent’s help.

  • How can I find cheaper teen driver insurance?
  • Should I carry comprehensive and collision coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Can I afford low physical damage deductibles?
  • Is my cargo covered for damage or theft?
  • Do I have coverage if my license is suspended?
  • Is motorclub coverage worth it?
  • Do all my vehicles need collision coverage?
  • What is PIP insurance?
  • Is my teenager covered with friends in the car?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverages and their meanings

Understanding the coverages of your policy can help you determine appropriate coverage for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are the normal coverages found on most auto insurance policies.

Uninsured/Underinsured Motorist (UM/UIM) – This provides protection when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Honda Odyssey.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP reimburse you for bills such as surgery, rehabilitation expenses, nursing services, dental work and chiropractic care. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision insurance pays for damage to your Odyssey from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like driving through your garage door, colliding with a tree, damaging your car on a curb and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

Liability – Liability insurance can cover damages or injuries you inflict on other people or property that is your fault. It protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers things such as attorney fees, repair costs for stationary objects, emergency aid, medical services and legal defense fees. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from flooding, hail damage, vandalism, falling objects and a broken windshield. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Do the work, save more money

When buying insurance coverage, do not sacrifice coverage to reduce premiums. In too many instances, someone sacrificed collision coverage to discover at claim time that they should have had better coverage. Your aim should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

You just read a lot of information how to shop for 2012 Honda Odyssey insurance online. It’s most important to understand that the more quotes you get, the better your chances of lowering your rates. Drivers may discover the most savings is with an unexpected company. Smaller companies can often provide lower rates in certain areas as compared to the big name companies such as Allstate or State Farm.

The cheapest insurance is attainable from both online companies and with local insurance agents, so you should compare both to have the best rate selection. Some insurance companies do not offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

Additional information is located at the links below